<ARTICLE> 5
<LEGEND>
This schedule contains summary financial information extracted from 12/31/94
income statement and balance sheet and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                          11,250
<SECURITIES>                                         0
<RECEIVABLES>                                4,337,157
<ALLOWANCES>                                    95,271
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                               0
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                               4,451,837
<CURRENT-LIABILITIES>                        2,457,230
<BONDS>                                              0
<COMMON>                                        46,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     727,338
<TOTAL-LIABILITY-AND-EQUITY>                 4,451,837
<SALES>                                         45,747
<TOTAL-REVENUES>                               605,963
<CGS>                                           43,039
<TOTAL-COSTS>                                  139,950
<OTHER-EXPENSES>                               (3,311)
<LOSS-PROVISION>                                56,133
<INTEREST-EXPENSE>                             151,239
<INCOME-PRETAX>                                218,913
<INCOME-TAX>                                    71,820
<INCOME-CONTINUING>                            147,093
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                      (2,820)
<NET-INCOME>                                   144,273
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0